However, I have seen cases where the Lender didn't have an assignment on file and the prior lienholder (now bankrupt) was noticed of the surplus funds. 

You are on the verge of becoming a bankrupted frustrated slum lord and need to get your business in shape with a very strong PM or sell before it gets much worse.

They opened branches here a while back, and went bankrupt almost immediately.

Chasing money for the sake of money is a sure way to become bankrupt in so many other ways. 

Read these:http://endoftheamericandream.com/archives/why-are-the-chinese-gobbling-up-real-estate-and-businesses-in-detroithttp://www.nbcnews.com/news/china/chinese-investors-snap-property-bankrupt-detroit-n253186Few years down the line, we will all say, had I known, I would have invested in Detroit?

Going bankrupt?

I have seen many hard money lenders go bankrupt during the 2008 crash and it will happen again in the next crash.So I hear others argue that they put 100% cash on their flip.

(they currently are mandatory) They said they would go bankrupt anyways if they couldn't walk away from the lease.

ERentPayment’s post says they have a processor who went bankrupt and then another processor.

The Employment Situation - May 2022 (bls.gov) Also, it really depends on which company did the layoff, if Coinbase/Celsius goes bankrupt/layoff 100%  it's expected, even a real estate tech company's layoff is pretty much expected as they have not generated profits.But if a sizeable layoff occurs from a company like Microsoft or Apple then not just it's affecting the economy, but something bad occurs as those companies have so much cash in the bank.The thing is, when unemployment rose in big number, the Fed has to restart QE again lol